We took the car to another mechanic for that second opinion and I'm so glad we did.
The second opinion guy has his own shop. He is a big, burly biker with a red beard halfway down his chest. His head is shaved, and he has tattoos. When we lived in NYS we knew lots of interesting people simply because we lived there so long. Retired in Central Florida, not so much. I was thrilled.
He checked the car out and replaced the back brake pads, telling us the front pads still seem okay and probably would last for another 10,000 miles. He joked that might take two years since our 2015 Subaru currently only has 38,000 miles on it.
He said the only other thing they found was that the struts are starting to wear out. Although that's a $1400 expense, he said it wasn't life threatening and we could wait on it. So with the inspection, break pads and an oil change it came to a little over $400.
Now we have a unique and colorful local mechanic we like and trust. He laughs at our jokes. It doesn't get much better than that.